Patents by Inventor Miguel Cintron
Miguel Cintron has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 10990416Abstract: A mobile device includes an originally downloaded mobile application. When a location of the mobile device is detected within a configured distance of a target enterprise store location, configuration data for the target enterprise's mobile application and services are obtained and automatically sent to the mobile device. The configuration data is applied to the original mobile application. When the user launches the original mobile application from the mobile device, the executing instance of the mobile application is transformed into the target enterprise's mobile application connected to the target enterprise's mobile application services server. The executing instance of the mobile application includes the branding, design, features, and workflow of the target enterprise's mobile application.Type: GrantFiled: July 30, 2019Date of Patent: April 27, 2021Assignee: NCR CorporationInventors: Kip Oliver Morgan, David Taylor Baker, Miguel Cintron, Sirang Taudray Woolheater
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Publication number: 20210034378Abstract: A mobile device includes an originally downloaded mobile application. When a location of the mobile device is detected within a configured distance of a target enterprise store location, configuration data for the target enterprise's mobile application and services are obtained and automatically sent to the mobile device. The configuration data is applied to the original mobile application. When the user launches the original mobile application from the mobile device, the executing instance of the mobile application is transformed into the target enterprise's mobile application connected to the target enterprise's mobile application services server. The executing instance of the mobile application includes the branding, design, features, and workflow of the target enterprise's mobile application.Type: ApplicationFiled: July 30, 2019Publication date: February 4, 2021Inventors: Kip Oliver Morgan, David Taylor Baker, Miguel Cintron, Sirang Taudray Woolheater
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Publication number: 20140214677Abstract: A service provider computer receives a request for a transfer of a remittance amount from a sender's payment card account to a recipient without an account. The service provider computer transmits a transaction authorization request and a hold on the sender's payment card account for the remittance amount via a payment card system to the sender's financial institution (FI), receives transaction request approval, and establishes a transaction data record. The service provider computer then transmits the transaction identification code to the sender, receives a transaction identification code and a transaction data record validity request from a receiving FI, provides the transaction data record, and receives the transaction identification code and a newly issued recipient payment card account number from the receiving FI.Type: ApplicationFiled: March 27, 2014Publication date: July 31, 2014Applicant: MasterCard International IncorporatedInventors: Shawn Hagmeier, Mark Wiesman, César Espinoza, Miguel Cintron
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Patent number: 8706633Abstract: A service provider computer receives a request for a transfer of funds from a sender to a recipient. The service provider computer makes a data record about the transaction available to a receiving financial institution. The receiving financial institution receives a visit from the recipient, issues a new payment card account to the recipient, and communicates the account number for the new account to the service provider computer. The service provider computer initiates a payment transaction in a payment card system to route the requested funds transfer from a payment card account belonging to the sender to the newly issued payment card account for the recipient.Type: GrantFiled: November 5, 2010Date of Patent: April 22, 2014Assignee: Mastercard International IncorporatedInventors: Shawn Hagmeier, Mark Wiesman, César Espinoza, Miguel Cintron
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Publication number: 20120116970Abstract: A service provider computer receives a request for a transfer of funds from a sender to a recipient. The service provider computer makes a data record about the transaction available to a receiving financial institution. The receiving financial institution receives a visit from the recipient, issues a new payment card account to the recipient, and communicates the account number for the new account to the service provider computer. The service provider computer initiates a payment transaction in a payment card system to route the requested funds transfer from a payment card account belonging to the sender to the newly issued payment card account for the recipient.Type: ApplicationFiled: November 5, 2010Publication date: May 10, 2012Inventors: Shawn Hagmeier, Mark Wiesman, César Espinoza, Miguel Cintron
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Patent number: 7996309Abstract: A bank customer of a first bank in a first country has a bank account. The bank provides a banking service whereby customer is able to send cash to a recipient in a second country via a commingled bank account belonging to a second bank. The cash is provided to the recipient in the currency of the second country by a third party payment agent. To effect a transfer, the bank customer in the first country instructs the first bank to debit his or her account and send cash to a designated recipient. In response, the first bank debits the customer's account, sends first payment instructions to the second bank, and transfers funds to a commingled account at the second bank. Funds from this commingled account are used to pay for the cash provided to the recipient. The banking service may be provided free of charge to a banking customer of the first bank.Type: GrantFiled: July 23, 2010Date of Patent: August 9, 2011Assignee: Bank of America CorporationInventors: Thomas D. Avazian, Miguel Cintron, Marcos Rosenberg, Claudia Tabacinic, Faith A. Tucker, Eduardo J. Vergara
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Publication number: 20100287100Abstract: A bank customer of a first bank in a first country has a bank account. The bank provides a banking service whereby customer is able to send cash to a recipient in a second country via a commingled bank account belonging to a second bank. The cash is provided to the recipient in the currency of the second country by a third party payment agent. To effect a transfer, the bank customer in the first country instructs the first bank to debit his or her account and send cash to a designated recipient. In response, the first bank debits the customer's account, sends first payment instructions to the second bank, and transfers funds to a commingled account at the second bank. Funds from this commingled account are used to pay for the cash provided to the recipient. The banking service may be provided free of charge to a banking customer of the first bank.Type: ApplicationFiled: July 23, 2010Publication date: November 11, 2010Applicant: Bank of America CorporationInventors: Thomas D. Avazian, Miguel Cintron, Marcos Rosenberg, Claudia Tabacinic, Faith A. Tucker, Eduardo J. Vergara
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Patent number: 7797234Abstract: A bank customer of a first bank in a first country has a bank account. The bank provides a banking service whereby customer is able to send cash to a recipient in a second country via a commingled bank account belonging to a second bank. The cash is provided to the recipient in the currency of the second country by a third party payment agent. To effect a transfer, the bank customer in the first country instructs the first bank to debit his or her account and send cash to a designated recipient. In response, the first bank debits the customer's account, sends first payment instructions to the second bank, and transfers funds to a commingled account at the second bank. Funds from this commingled account are used to pay for the cash provided to the recipient. The banking service may be provided free of charge to a banking customer of the first bank.Type: GrantFiled: August 26, 2005Date of Patent: September 14, 2010Assignee: Bank of America CorporationInventors: Thomas D. Avazian, Miguel Cintron, Marcos Rosenberg, Claudia Tabacinic, Faith A. Tucker, Eduardo J. Vergara
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Publication number: 20070050291Abstract: A bank customer of a first bank in a first country has a bank account. The bank provides a banking service whereby customer is able to send cash to a recipient in a second country via a commingled bank account belonging to a second bank. The cash is provided to the recipient in the currency of the second country by a third party payment agent. To effect a transfer, the bank customer in the first country instructs the first bank to debit his or her account and send cash to a designated recipient. In response, the first bank debits the customer's account, sends first payment instructions to the second bank, and transfers funds to a commingled account at the second bank. Funds from this commingled account are used to pay for the cash provided to the recipient. The banking service may be provided free of charge to a banking customer of the first bank.Type: ApplicationFiled: August 26, 2005Publication date: March 1, 2007Applicant: BANK OF AMERICA CORPORATIONInventors: Thomas Avazian, Miguel Cintron, Marcos Rosenberg, Claudia Tabacinic, Faith Tucker, Eduardo Vergara
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Patent number: 5167566Abstract: A brassiere construction has breast cups provided with a central diagonally extending panel that is stretchable in vertical directions, and which is non-stretchable in horizontal directions, thus to accommodate different volumes of breast tissue falling within a determined range of volumes.Type: GrantFiled: April 14, 1992Date of Patent: December 1, 1992Assignee: Wacoal America, Inc.Inventors: Rosalie M. Novitsky, Harold Stern, Nancy Fishman, Miguel Cintron